What I think the regulators and manufacturers are missing has less to do with the what-if scenario of an incapacitated pilot and more to do with what happens when pilots get bored. Sitting in a cockpit for my 7+hr shift at night over the Pacific is made safer by the fact that I can have a conversation with the other pilot to keep my mind somewhat alert. Take that away and the mind gets dull, complacent and prone to error.
I'm all for more automation as long as there's a measurable benefit to safety. If getting rid of all human pilots leads to a reduction in lives lost per unit of time then it's worth it. Sure there will be major accidents that a human could have prevented, but there will be accidents prevented by the machine too. The crossover point matters.